McCracken County property record for 520 Lutes Rd, Paducah, KY 42001
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,640 sqft · built 1969 |
| Lot Size | 0.771 acres (33,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $337,900 (Oct 2018) |
| Tax Bill | $3,397 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-40-03-002 |
| Primary APN | 078-40-03-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,640 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 33,600 sqft (0.771 acres) |
| Lot Dimensions | 160 ft deep x 210 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 106056 |
|---|---|
| Street Address | 520 LUTES RD |
| City | PADUCAH |
| State | KY |
| Zip | 42001-6118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-27B-2 210 X 160 520 LUTES RD L2A |
| Legal Subdivision | WINGDALE |
| Legal Lot Number | 2A |
| Jurisdiction | MCCRACKEN KY |
| Township / Civil Division | PADUCAH |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 31302 |
520 Lutes Rd is owned and occupied by two individuals who bought it in October 2018.
Source: McCracken County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 LUTES RD, PADUCAH, KY 42001-6118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on File |
| Deed Sale | Oct 22, 2018 · Amount on File |
| Deed Document Number | 2018595013 |
| Deed Book / Page | 1375 / 707 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCRACKEN KY |
| Property Address | 520 LUTES RD, PADUCAH, KY 42001-6118 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1863/420 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | M1863/420 |
| Instrument | 730019 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2045 |
The 2025 property tax bill for 520 Lutes Rd was $3,397.
Source: McCracken County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCracken County |
| Unified School District | McCracken County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $352,760 (-) | $352,760 (-) | |
| 2025 | $3,397.00 | $352,760 | $352,760 |
| 2023 | $3,396.00 (+3.54%) | $352,760 (+4.4%) | $352,760 (+4.4%) |
| 2022 | $3,280.00 | $337,900 | $337,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Lutes Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective November 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2017 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 520 Lutes Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PADUCAH WATER WORKS serves 65,004 people · EPA ID KY0730533 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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